Loan Officer

Responsibilities

• Conduct loan file transaction testing to determine regulatory credit risk grades by analyzing repayment capacity, including global capacity as needed, and collateral coverage.
• Evaluate loan grading, underwriting standards, and credit administration practices pertaining to the credits assigned.
• Assess loan grading accuracy, timely recognition of changes in loan quality, adherence to underwriting standards, policy exceptions, and covenant compliance.
• Document well-supported findings and conclusions in accordance with Federal requirements.
• Prepare loan write-ups as directed by the Asset Manager or Examiner-in-Charge.
• Participate in periodic loan review roundtables to discuss review status and any emerging issues.

Requirements:

• Bachelor’s degree is required; a major in business, economics, finance, accounting, or a related field is preferred.
• 8+ Years of relevant experience in banking, financial industry, banking supervision, or an equivalent combination of education and experience.
• Prior credit review and credit analysis experience.
• Ability to read and interpret supervisory ratings and enforcement records, as well as the ability to read and apply System rules and regulations related to bank activities and expansionary transactions.
• Ability to deliver verbal and written information effectively and accurately.
• Proficiency in PC software products, including Word, Excel, and PowerPoint, and Microsoft Office Applications, especially Excel Spreadsheets.
• Must have strong financial analytical skills, excellent attention to detail, and be highly accurate
• Ability to work with individuals in various capacities and maintain excellent people/communication skills at all times.
• Good organizational skills, flexibility, and ability to prioritize and meet deadlines in a timely manner
• Knowledge of FDIC and OCC Federal Regulations and Policies is a plus.